2024年医保支出2.98万亿元，钱都花哪里了

Core Viewpoint - The latest report from the National Medical Insurance Administration highlights a stable medical insurance system in China, with a focus on governance reform aimed at enhancing service quality, innovation, and regulatory oversight [1][3]. Group 1: Medical Insurance Coverage and Financials - By the end of 2024, approximately 1.327 billion people were covered by basic medical insurance, maintaining a coverage rate of over 95% [3]. - The total income of the national basic medical insurance fund (including maternity insurance) was about 3.49 trillion yuan, while total expenditures reached 2.98 trillion yuan in 2024 [3]. - The income from employee medical insurance (including maternity insurance) was approximately 2.37 trillion yuan, reflecting a 3.5% increase from the previous year, while expenditures were about 1.91 trillion yuan, up 7.6% [3]. Group 2: Medical Expenses and Utilization - In 2024, the total medical expenses for employee insurance participants were around 2.06 trillion yuan, marking a 3.6% increase year-on-year, while for residents, it was approximately 2.03 trillion yuan, with a 3.7% increase [7]. - The number of treatment instances for employee insurance participants reached 5.308 billion, a 9.9% increase from the previous year, while for residents, it was 3.035 billion, up 14.9% [3][7]. Group 3: Trends in Medical Costs - The growth rate of total medical expenses significantly decreased from over 20% in 2023 to single digits in 2024, attributed to a reduction in demand following the pandemic [6][7]. - The structure of medical expenses showed a notable decline in drug prices, while the prices for certain medical services, particularly those reflecting physician labor value, increased [8]. Group 4: Policy and Innovation Support - The establishment of a new mechanism for drug access and negotiation has significantly shortened the time for innovative drugs to be included in the insurance system, with over 540 billion yuan in sales from newly negotiated drugs between 2018 and 2024 [4]. - Recent measures support the use of medical insurance data for innovative drug research and development, aiming to enhance the efficiency of drug innovation [4].